Phoenician Financial Planning's focus is on helping with retirees or those approaching retirement.  Our planning goal is to determine if you have enough money saved for retirement, when best to claim Social Security benefits, and how best to transition from earning a paycheck to living off retirement savings. We can either manage retirement and brokerage accounts directly or recommend a liquidation strategy you can manage on your own.

Planning isn't just for retirees. Our services also help younger clients that are starting to save, local small business owners, and government employees enrolled in the Arizona State Retirement System. Planning for these clients focuses on both current and future goals, investment management, and tax strategies that minimize expenses. Financial plans can be tailored to a variety of unique circumstances.

Investment management is individually focused on your goals, comfort with market risk, and the investment time horizon. Portfolios are primarily constructed using low cost, diversified exchange traded funds. Actively managed mutual funds can be used to further diversify a portfolio and reduce investment risk. Individual stocks or bonds, REITs, and UITs can be used on a discretionary basis to provide value above your investment benchmark.

certified financial planner retirement in phoenix arizona

Environmental and Social Governance Investing

By J.K. Roberts, CFP, CRPC | Oct 18, 2017

Eighty percent of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes. For younger…

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Building a Financial Plan

By J.K. Roberts, CFP, CRPC | Sep 13, 2017

If you’ve paid for financial advice before, you know it can be expensive. Building a proper financial plan can take…

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Health Savings Account

By J.K. Roberts, CFP, CRPC | Jun 28, 2017

A Health Savings Account (HSA) is a tax-exempt trust or custodial account that helps pay medical expenses.  Contributions to HSAs…

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Fiduciary Rule

By J.K. Roberts, CFP, CRPC | Jun 27, 2017

Fiduciary Standard A fiduciary is a person or organization that is bound both legally and ethically to act in your…

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Socially Responsible Investments

By J.K. Roberts, CFP, CRPC | Jun 14, 2017

When you invest, you’re voting with your money. Despite what happens in Washington D.C., you can always make a difference.…

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Presidential Impeachment: Impact on the Stock Market

By J.K. Roberts, CFP, CRPC | May 15, 2017

How would the stock market react to President Trump’s impeachment? Politics is a passionate subject for many, but most would…

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The Affordable Care Act

By J.K. Roberts, CFP, CRPC | May 4, 2017

A client I work had taxable income over $300,000 in 2016. The ObamaCare tax on that income was $1,801. This was on the…

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Insuring Your Financial Plan

By J.K. Roberts, CFP, CRPC | May 2, 2017

Insurance is a key component of any financial plan.  When it comes to investing for the future, most people think…

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Small Business Tax Deductions

By J.K. Roberts, CFP, CRPC | Apr 3, 2017

The tax structure of many small businesses allows the owner to deduct certain expenses.  This helps reduce their personal tax…

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Investment Professional Guide

By J.K. Roberts, CFP, CRPC | Mar 31, 2017

  Investment Professional Guide As an investor, understanding your needs is an important part of determining what kind of investment professional…

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Independent Fiduciary

downtown phoenix

A fiduciary is required to put their client's needs ahead of their own. Not all financial professionals are fiduciaries. Banks, insurance companies, and investment firms may claim to act as fiduciaries, but often do so in a limited capacity. Working with CFP Professional is the best way to safeguard your fiancial future.

Socially Responsible

Arizona

Environmental, social and corporate governance (ESG) funds allow you to invest your money into causes you believe in. Socially responsible investing (SRI), also known as sustainable, socially conscious, green, or ethical investing, is shaping the future. We build custom investment strategies that consider both financial returns as well as the social causes clients request.

Fee Only Advisor

downtown phoenix

Traditionally, financial advisors are paid a commission each time clients purcahse an investment. There is an inherent conflict of interest with working that way. In order to provide objective advice, I work under a fee only model. Clients can pay by the hour, project, or retain ongoing services through a percentage of the investment assets managed.

Next Steps...

Contact us for a free one hour consultation.  We'll discuss what services we offer, explain the philosophy followed, and help you understand the costs associated with investing.

© 2017 Phoenician Financial Planning, LLC. Securities offered through Folio Institutional, Inc., member FINRA / SIPC.